Ngubani ohlawula uvavanyo kulwakhiwo olutsha
Uvavanyo lwendlu. Ngokuqinisekileyo ayisosona sihloko sinomdla kakhulu, kodwa sisiganeko esibalulekileyo kwinkqubo yokuthenga indlu. Nokuba ukwicala lokuthenga okanye lokuthengisa ikhaya, uvavanyo lwekhaya luqinisekisa ukuba ixabiso lokuthengisa lilungile kwipropathi.
Usenokuba uyazibuza ukuba ungayicwangcisa njani i-appraisal kunye ne-appraiser. Ngelixa wena, njengomboleki, udla ngokuba noxanduva lokuhlawula iifizi zokuphonononga, umbolekisi udla ngokugunyazisa ukuvavanywa kwepropati yakho, ethatha umlenze ezandleni zakho.
Kuvavanyo lwekhaya lakho, i-appraiser eqeqeshiweyo yabelwe kwipropathi yakho. Umvavanyi ukhetha iintengiso zamva nje zekhaya ezinobungakanani obunokuthelekiswa, ukusetyenziswa, imeko kunye nendawo. Ngelixa i-appraiser imisela ixabiso lekhaya lakho ngokusekelwe kuvavanyo olucokisekileyo lwepropathi yangaphakathi kunye nangaphandle, ukuqaphela i-square footage, inani lamagumbi okulala kunye namagumbi okuhlambela, naziphi na iimpawu ezinyusa ixabiso, ukulungiswa okufunekayo Ngaphezu koko, ababoleki abaninzi abaqondi ukuba uvandlakanyo. ikwamiselwa ngokuthelekisa ukuthengisa kunye nentsingiselo yangoku yemarike.
Ngaba uvavanyo luhlawulwe phambi kokuba kuvalwe?
Ngaphambi kokuba uthathe ifowuni ukurhoxisa uvavanyo lwakho olulandelayo, yazi ukuba ababolekisi abakhulu baya kuqhubeka beyifuna kwiintengiso ezininzi ezingaphantsi kwe-400.000 yeedola. Olona khetho lwakho lokonga iindleko lusekuthelekisa amaxabiso kwaye ukhethe oyena mbolekisi ukhuphisanayo.
Ngamafutshane, uvavanyo luqinisekisa ukuba umthengisi akalixabisanga kakhulu ikhaya. Umvavanyi oyingcali uya kuhlola ipropathi, athelekise ixabiso kwamanye amakhaya "afanayo" kwindawo leyo, kwaye afumane ixabiso lemakethi elifanelekileyo ukuze lithelekiswe nexabiso lentengiso.
Oko kwathiwa, ii-appraisals zikwakhusela umthengi. Ukuba uvavanyo lukhokelela kwixabiso eliphezulu kakhulu lentengiso, kunokonga umthengi ngaphezulu kwe-300 yeedola okanye iidola ezingama-400 abazichithile kwinkonzo. Ke, ngaba kufanelekile ukwenza ngaphandle kovavanyo?
Ukuphakamisa ibha yokuxolelwa ukusuka kwi-250.000 yeedola ukuya kwi-400.000 yeedola kunokuba nefuthe elikhulu kwiimvavanyo zasekhaya, kwithiyori. Idatha ye-HMDA esuka kwi-2017 ibonisa ukuba malunga ne-72% yeentengiselwano ze-mortgage ziwela phantsi kwelo nqanaba.
Ii-arhente ezityhalela le nguquko yomgaqo zithi imfuno yovavanyo, engazange itshintshe ngaphezu kweminyaka engama-20, ibeke "umthwalo omkhulu kubo [ababolekisi] kunye nabathengi malunga namaxesha okuthengiselana kunye neendleko."
Ngubani oyalela ukuba kwenziwe uvavanyo?
U-Shashank Shekhar yingcaphephe ye-mortgage esebenza kwi-GE Consumer Finance kunye ne-venture capital yemali ye-mortgage yenkampani kwizikhundla eziphezulu zolawulo ngaphambi kokudala inkampani yakhe ye-mortgage, i-Arcus Lending, Inc. Une-MBA kwaye ungumbhali we "First Time Home Buying 101 ”.
UDoretha Clemons, Ph.D., MBA, PMP, ube ngumphathi we-IT kunye nomfundisi we-34 iminyaka. Ungunjingalwazi oncedisayo kwiiKholeji ze-Connecticut State kunye neeYunivesithi, iYunivesithi yaseMaryville, kunye neYunivesithi yase-Indiana Wesleyan. Ungumtyali wezindlu kunye nomlawuli weBruised Reed Housing Real Estate Trust, kunye nomnini welayisensi yokuphucula ikhaya evela kwiState of Connecticut.
Nokuba uyathenga okanye uthengisa ikhaya, inyathelo elibalulekileyo kwinkqubo luvavanyo lwekhaya. Njengomthengi, eyona nxalenye iphambili yokufumana imali-mboleko kukuba kwenziwe uvavanyo ukuqinisekisa ixabiso lokuthengisa lombolekisi. Kubathengisi, uvavanyo olulungileyo lubalulekile ukukhusela elona xabiso lilungileyo lekhaya.
Uvavanyo luqikelelo lobungcali nolungenamkhethe lwexabiso lepropati ethengiswayo. Ababolekisi basoloko befuna i-appraisal yekhaya ngaphambi kokuba banike imali-mboleko kuba befuna ukukhusela utyalo-mali lwabo; Ukuba elona xabiso lentengiso yepropati lingaphantsi kwexabiso lentengiso kwaye umthengi uyasilela kwi-mortgage, umbolekisi akayi kukwazi ukuthengisa ipropati ngemali eyaneleyo yokuhlawula imali mboleko.
Ihlawulwa nini intlawulo yovavanyo?
Ukubhengezwa: Esi sithuba siqulethe izixhumanisi ezihambelanayo, oku kuthetha ukuba sifumana ikhomishini ukuba ucofa ikhonkco kwaye uthenge into esiyicebisile. Nceda ujonge umgaqo-nkqubo wethu wokubhengeza iinkcukacha ezithe vetshe.
Nokuba ujonge ukuthenga, ukuthengisa, okanye ukuhlaziya ikhaya, ukuvavanywa kwekhaya kuya kuba yinxalenye ebalulekileyo yenkqubo. Emva kwayo yonke loo nto, kuya kufuneka wazi ukuba lingakanani ikhaya elixabisayo ngaphambi kokuba wenze nayiphi na intshukumo ebalulekileyo yezemali kuyo.
Inkqubo yovavanyo inokubangela i-nerve-wracking, ngakumbi ukuba awuqinisekanga ukuba yintoni ebandakanyekileyo. Makhe sijonge ukuba yintoni uvandlakanyo, lusebenza njani, kwaye umntu unokubiza malini.
Uvavanyo lwekhaya yinkqubo apho umxazululi wezindlu nomhlaba amisela ixabiso lemarike elilungileyo lekhaya. Inokuqinisekisa wena kunye nombolekisi wakho ukuba ixabiso ovumelene ngalo ukulihlawula ikhaya lilungile. Uvavanyo luhlala lusetyenziselwa ukumisela irhafu yepropathi, ngoko ke iyafuneka kwiindawo ezininzi.
Ukuba ufuna i-mortgage yokuthenga ikhaya, i-arhente yakho ye-real estate inokucebisa ukuba ubandakanye i-appraisal contingency kwikhontrakthi yokuthengisa. Ubume bovavanyo bukuvumela ukuba uyeke ukuthenga ikhaya ukuba uvavanyo luphantsi kakhulu ukuthethelela ixabiso lokuthenga ekuvunyelwene ngalo.
